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Forum: Mortgages and buying and selling homes 13-03-2013, 03:01 PM
Replies: 14
Views: 3,286
Posted By Marianne
I agree with all of this. I'm aware of...

I agree with all of this. I'm aware of properties in some areas with several actively competing bidders, where the eventual sale price is above the asking. I'm also aware of other areas where you'd...
Forum: Mortgage arrears, personal debt & negative equity - questions and case studies 11-03-2013, 03:29 PM
Replies: 4
Views: 1,700
Posted By Marianne
Many thanks for this reply. The husband's...

Many thanks for this reply. The husband's business was indeed set up as a sole trader so the debt is in his name personally.

For a few reasons (mostly medical) he would not be in a position to...
Forum: Pensions 11-03-2013, 02:48 PM
Replies: 21
Views: 14,773
Posted By Marianne
I'm not sure I follow where the benefit would be....

I'm not sure I follow where the benefit would be.


I invest 1,000 in an AVC. I claim 410 tax relief. It costs me 590.
I withdraw it under the terms of the new scheme. I'll assume no...
Forum: Mortgage arrears, personal debt & negative equity - questions and case studies 09-03-2013, 06:36 PM
Replies: 4
Views: 1,700
Posted By Marianne
Lot of debt - are we insolvent or bankrupt?

Posting this for a family member - grateful for any opinions.


Personal and income details
Income self: 40,000 self-employed caring profession - part-time
Income history: Steady: good...
Forum: Mortgage arrears - policy issues 07-03-2013, 05:50 PM
Replies: 16
Views: 2,928
Posted By Marianne
I'd agree that Personal Insolvency Practitioners...

I'd agree that Personal Insolvency Practitioners should be people with appropriate skills and experience, regardless of what profession they're in.

The Institute of Bankers in Ireland are...
Forum: Mortgages and buying and selling homes 07-11-2012, 11:07 PM
Replies: 32
Views: 5,948
Posted By Marianne
In practice many insurance companies can be very...

In practice many insurance companies can be very slow to update the AR register.
Forum: Mortgages and buying and selling homes 07-11-2012, 06:00 PM
Replies: 32
Views: 5,948
Posted By Marianne
I don't want to make you feel any worse, but in...

I don't want to make you feel any worse, but in theory the vendor can also sue you for non-completion. That said, their legal advisor would need to think it was worth their while doing so.

Carry...
Forum: Pensions 25-10-2012, 10:49 AM
Replies: 25
Views: 4,954
Posted By Marianne
I'd be interested to hear about this - what would...

I'd be interested to hear about this - what would be the total cost of a Buy-Out Bond of 50,000 including all fees?
Forum: Investments 02-08-2012, 07:59 AM
Replies: 12
Views: 2,398
Posted By Marianne
So have you any evidence whatsoever of any...

So have you any evidence whatsoever of any irregularities at Quinn Life, a company that is still trading under new ownership?

Or are you just trying to use this website to spread your idle...
Forum: Investments 01-08-2012, 08:51 AM
Replies: 12
Views: 2,398
Posted By Marianne
I don't get your point. Quinn Life is still...

I don't get your point. Quinn Life is still trading under new ownership. Nobody in QL has lost their funds. Nobody had to claim from the compensation fund.
Forum: Pensions 21-02-2012, 09:36 AM
Replies: 7
Views: 1,691
Posted By Marianne
Many thanks.

Many thanks.
Forum: Pensions 20-02-2012, 06:48 PM
Replies: 7
Views: 1,691
Posted By Marianne
Class S PRSI and the State pension

Hi,

As far as I know Class S PRSI is payable by self-employed people once income is 5,000 in a year. It's paid at the rate of 4% with a minimum payment of 253.00.

My question is this -...
Forum: Pensions 07-02-2012, 06:22 PM
Replies: 6
Views: 1,363
Posted By Marianne
I find the report hard to decipher. I'm...

I find the report hard to decipher.

I'm trying to figure out from it what it suggests as the Minimum Income Standard for a family with three children, all in primary school, with one earned...
Forum: Pensions 16-09-2011, 02:17 PM
Replies: 4
Views: 1,426
Posted By Marianne
Thanks for your reply Baracuda. Sorry - I...

Thanks for your reply Baracuda.

Sorry - I think I phrased the question badly. The new employer is willing to set up an Occupational Pension Scheme for this man and make contributions to it. ...
Forum: Pensions 14-09-2011, 07:25 PM
Replies: 4
Views: 1,426
Posted By Marianne
Changing employer on Occupational Pension Scheme

Can someone settle a disagreement for me?

An acquaintance was the sole member of a DC Occupational Pension Scheme of a previous employer. He left this employment and moved to an unrelated...
Forum: Pensions 09-09-2011, 03:59 PM
Replies: 7
Views: 3,665
Posted By Marianne
If you sent back all the required documentation...

If you sent back all the required documentation to Mercer and you suffered an actual financial loss as a result of their not processing the claim in a timely manner, you could make a complaint to the...
Forum: Investments 09-09-2011, 07:52 AM
Replies: 2
Views: 1,860
Posted By Marianne
Marc gave a good analysis of this inflation...

Marc gave a good analysis of this inflation tracker bond here (http://www.askaboutmoney.com/showpost.php?p=1181873&postcount=14).

As Hobbs was the voice in commercial advertising, for which I...
Forum: Pensions 19-07-2011, 02:23 PM
Replies: 2
Views: 1,760
Posted By Marianne
Thanks for the reply Baracuda. In a way it makes...

Thanks for the reply Baracuda. In a way it makes a bit of a mockery of the whole idea of a DB scheme. The example I'm thinking about is a situation where the scheme is not allowing early...
Forum: I.T.,Cameras and MP 3 players 17-07-2011, 02:06 PM
Replies: 23
Views: 7,537
Posted By Marianne
Hoping someone can help me with a related few...

Hoping someone can help me with a related few queries:-

Got a new iPhone 4 with eMobile and am trying to set up e-mail. When I'm in the office, my incoming mail server setting is...
Forum: Pensions 16-07-2011, 03:24 PM
Replies: 2
Views: 1,760
Posted By Marianne
What are an employer's DB legal responsibilities?

Does anyone know what an employer's legal responsibilities are in relation to funding a DB scheme?

Many DB schemes are currently refusing to grant early retirement due to funding issues.
...
Forum: Investments 15-07-2011, 05:31 PM
Replies: 2
Views: 963
Posted By Marianne
Hi Brendan, I'm aware of a wholesale...

Hi Brendan,

I'm aware of a wholesale developer of these products who charges, for example, 1.35% on a 3 year 11 months product. Intermediary commission is in addition to this. So if an...
Forum: Investments 15-07-2011, 03:11 PM
Replies: 2
Views: 963
Posted By Marianne
What would be the ideal tracker bond?

I've been thinking a lot about tracker bonds recently and can see some of their appeal - the possibility of a better return than deposit interest, with limited risk to your capital.

I've looked...
Forum: Pensions 30-03-2011, 03:40 PM
Replies: 2
Views: 1,638
Posted By Marianne
Increased redundancy lump sum & waiving pension lump sum

There is a facility whereby a person can get an increased tax-free redundancy lump sum now in return for waiving their right to a tax-free lump sum from their pension scheme at retirement. (Terms...
Forum: Public sector pensions 01-07-2010, 10:20 AM
Replies: 13
Views: 3,599
Posted By Marianne
Local Government (Non-Officers) scheme. Any point in working beyond 40 years service?

Someone I know is in the Local Government (Non-Officers) scheme and will have completed 40 years by age 58.

Scheme permits retirement from age 60 but is integrated with Social Welfare pensions...
Forum: Pensions 22-02-2010, 03:03 PM
Replies: 6
Views: 2,932
Posted By Marianne
Re: Pension lump sum - early retitment-

What happens if the person leaves the company first?

In the example above, what happens if the person leaves the company at age 55 after 30 years service, but doesn't take retirement benefits...
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